Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
EPC band not stated — verify the certificate before offering (2030 MEES minimum is band C).
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
+£158/mo
Barely breaks even each month
Price
£230K
No local sold comps to compare
Return · IRR
2.3%/yr
Modest annualised return
Cash to get in
£106K
Deposit + fees + refurb
Return before costson price · Rent by the room9.40%5-yr return on cash 15%Rent est. £1,645 (£1,325–£2,042)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc liveRates as of 20 May 2026
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer (£)
Monthly rent (£)
Local comp range: £1,325–£2,042/mo · n=54
Financing
DepositYour cash in — the rest is the mortgage25% · £57,500
5%100% (cash buy)
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
3.0%9.0%
5-year fixed at 75% LTV — 5.75% (as of 2026-05-20).
Mortgage term (years)
Stress rate6.5%
5.0%9.0%
BoE base + 2pp stress (6.5%)
Acquisition costs
Refurb (£)
Per-property refurb estimate from the element rate-card model (£21,813–£40,718 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £172,500 loan + £1,000 booking fee
Running costs
Management10%
0%20%
Typical BTL agency rate
Void weeks
Typical voids for BTL
Insurance (£/mo)
Typical BTL building+landlord cover for £200K–£400K
Cladding safety certificateNot stated on the listingHeritageNot stated on the listing
Heritage& planning constraintsNHLE register
We don't ingest the NHLE bulk register, so we can't flag listed-building or conservation-area status for this address from our data alone. Use the official registry to verify before exchanging.
Total cash neededdeposit + costs (loan covers the rest)£106,334
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · onthemarket
Description& agent copyOnTheMarket
* GUIDE PRICE: £230,000 to £240,000 *
Situated in the much sought-after Crofts area of Ipswich lies this three-bedroom semi-detached house which is being sold with no onward chain, would benefit from some updating, and benefits from a generous rear garden, off-road parking to the front for one car, and an integral garage. As agents, we recommend the earliest possible internal viewing to fully appreciate the size of the accommodation on offer which comprises front porch,…
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
8.58% Return before costs — above-market
Price
£230K
Return before costs (best)
9.40%
Rent by the room
Bedrooms
3
1 bath
Energy rating
—
Energy rating
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc liveRates as of 20 May 2026
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer (£)
Monthly rent (£)
Local comp range: £1,325–£2,042/mo · n=54
Financing
DepositYour cash in — the rest is the mortgage25% · £57,500
5%100% (cash buy)
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
3.0%9.0%
5-year fixed at 75% LTV — 5.75% (as of 2026-05-20).
Mortgage term (years)
Stress rate6.5%
5.0%9.0%
BoE base + 2pp stress (6.5%)
Acquisition costs
Refurb (£)
Per-property refurb estimate from the element rate-card model (£21,813–£40,718 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,100 legal + £600 survey
Mortgage fees (£)
2% product fee on £172,500 loan + £1,000 booking fee
Running costs
Management10%
0%20%
Typical BTL agency rate
Void weeks
Typical voids for BTL
Insurance (£/mo)
Typical BTL building+landlord cover for £200K–£400K
Net Monthly profit after tax. Rent + costs compound at their growth rates; mortgage principal amortises year-by-year for repayment loans.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
£19,740
£5,429
£11,213
£0
£589
£2,510
£2,510
Year 2
£20,332
£5,592
£11,213
£0
£670
£2,858
£5,367
Year 3
£20,942
£5,760
£11,213
£0
£754
£3,216
£8,583
Year 4
£21,570
£5,932
£11,213
£0
£841
£3,585
£12,168
Year 5
£22,218
£6,110
£11,213
£0
£930
£3,965
£16,133
Rent by the roomupside
Tap to expand
Rent by the room conversion upside+-0.3 pp▾
Required
Rooms (3+)3 bd
Conversion£26,000
If converted
Gross / mo£1,801
Gross Rent by the room yield9.40%
What we verified
12 total
5007
Legal & planning4▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedCheck LPA
TenureTenure typeFreehold
HeritageListed building / conservation areaNot stated on the listing
Building condition3▾
EPCPostcode estimate — check the registerNot stated on the listing
EWS1External wall safety (cladding)Not stated on the listing
Refurb costBased on beds + baths + sqftEstimate available
Area3▾
Crimepolice.uk · monthlyChecking…
SchoolsGIAS · OfstedChecking…
FloodEA Flood Map · England onlyChecking…
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Loading nearby sold…
Location & transport
Score 100/100
Loading map…
PropertySchoolsUniversitiesStationsArticle 4
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£2,243
Annual rental tax£444
CGT yr 5£0 · company level
5y net total£16,133
Acquisition costs
£106K
25% deposit£57,500
Stamp duty£13,600
Refurb£29,084
Legal + survey£1,700
Mortgage + broker£4,450
Cash needed£106,334
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Description& agent copyOnTheMarket
* GUIDE PRICE: £230,000 to £240,000 *
Situated in the much sought-after Crofts area of Ipswich lies this three-bedroom semi-detached house which is being sold with no onward chain, would benefit from some updating, and benefits from a generous rear garden, off-road parking to the front for one car, and an integral garage. As agents, we recommend the earliest possible internal viewing to fully appreciate the size of the accommodation on offer which comprises front porch,…